Which mortgage lender in the Topeka, KS area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Topeka, KS area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Topeka, KS area in terms of interest rate is Capitol Federal Savings Bank, with an average “Rate Difference” of -0.27%. This means that, comparing similar borrowers, Capitol Federal Savings Bank provided a -0.27% lower interest rate for its customers than other lenders in the area. Capitol Federal Savings Bank has a market share of 11.6%. On the other hand, the most popular lender in the Topeka, KS area is Fairway Independent Mortgage Corporation, with a larger market share of 15.9%. Fairway Independent Mortgage Corporation is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Topeka, KS area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Topeka, KS is Capitol Federal Savings Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is CoreFirst Bank & Trust. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Landmark National Bank. The cheapest VA mortgage provider is also Landmark National Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Topeka, KS
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.27% | 11.63% | |
| CoreFirst Bank & Trust | -0.13% | 3.41% | |
| Central National Bank | -0.11% | 2.96% | |
| Navy Federal Credit Union | -0.04% | 0.83% | |
| Truity Credit Union | -0.04% | 5.00% | |
| Bank of America | -0.02% | 1.59% | |
| Landmark National Bank | -0.02% | 13.30% | |
| Home Point Financial Corporation | -0.01% | 0.89% | |
| NBH Bank | -0.00% | 3.79% | |
| Carrington Mortgage Services | 0.01% | 0.94% | |
| USAA | 0.02% | 2.26% | |
| Movement Mortgage | 0.02% | 1.99% | |
| BOK Financial | 0.02% | 1.67% | |
| Meritrust Credit Union | 0.03% | 1.18% | |
| US Bank | 0.04% | 4.76% | |
| Mortgage Investment Services Corporation | 0.05% | 0.89% | |
| Commerce Bank | 0.05% | 1.02% | |
| Flagstar Bank | 0.05% | 2.87% | |
| Fairway Independent Mortgage Corporation | 0.05% | 15.88% | |
| Wells Fargo Bank | 0.06% | 1.72% | |
| CommunityAmerica Credit Union | 0.06% | 1.13% | |
| loanDepot | 0.07% | 1.91% | |
| PrimeLending | 0.07% | 1.99% | |
| Caliber Home Loans | 0.10% | 2.12% | |
| Azura Credit Union | 0.11% | 4.16% | |
| Quicken Loans | 0.19% | 9.22% | |
| Mr. Cooper | 0.20% | 0.91% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.21% | 9.17% | |
| Central National Bank | -0.13% | 3.10% | |
| Bank of America | -0.12% | 1.45% | |
| CoreFirst Bank & Trust | -0.11% | 2.61% | |
| Navy Federal Credit Union | -0.05% | 1.17% | |
| Home Point Financial Corporation | -0.03% | 0.93% | |
| Landmark National Bank | -0.02% | 15.81% | |
| Truity Credit Union | -0.02% | 5.75% | |
| NBH Bank | -0.01% | 4.42% | |
| US Bank | 0.00% | 4.95% | |
| USAA | 0.01% | 2.65% | |
| Wells Fargo Bank | 0.01% | 1.93% | |
| Movement Mortgage | 0.01% | 2.49% | |
| BOK Financial | 0.02% | 2.09% | |
| Commerce Bank | 0.02% | 1.01% | |
| Meritrust Credit Union | 0.03% | 0.60% | |
| Mr. Cooper | 0.03% | 0.08% | |
| Mortgage Investment Services Corporation | 0.05% | 0.84% | |
| Fairway Independent Mortgage Corporation | 0.05% | 21.76% | |
| PrimeLending | 0.07% | 2.61% | |
| CommunityAmerica Credit Union | 0.07% | 1.09% | |
| loanDepot | 0.08% | 1.09% | |
| Flagstar Bank | 0.09% | 2.21% | |
| Azura Credit Union | 0.11% | 2.57% | |
| Caliber Home Loans | 0.11% | 2.41% | |
| Quicken Loans | 0.19% | 5.19% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.34% | 16.59% | |
| CoreFirst Bank & Trust | -0.14% | 5.02% | |
| Truity Credit Union | -0.11% | 3.48% | |
| Central National Bank | -0.08% | 2.67% | |
| Landmark National Bank | -0.02% | 8.25% | |
| BOK Financial | -0.00% | 0.81% | |
| Movement Mortgage | 0.00% | 0.97% | |
| NBH Bank | 0.02% | 2.51% | |
| Flagstar Bank | 0.02% | 4.21% | |
| USAA | 0.03% | 1.46% | |
| Carrington Mortgage Services | 0.03% | 2.83% | |
| Fairway Independent Mortgage Corporation | 0.03% | 4.05% | |
| Navy Federal Credit Union | 0.03% | 0.16% | |
| Home Point Financial Corporation | 0.03% | 0.81% | |
| Caliber Home Loans | 0.04% | 1.54% | |
| CommunityAmerica Credit Union | 0.04% | 1.21% | |
| Meritrust Credit Union | 0.04% | 2.35% | |
| Mortgage Investment Services Corporation | 0.05% | 0.97% | |
| PrimeLending | 0.07% | 0.73% | |
| loanDepot | 0.08% | 3.56% | |
| Commerce Bank | 0.10% | 1.05% | |
| Azura Credit Union | 0.11% | 7.36% | |
| Bank of America | 0.12% | 1.86% | |
| US Bank | 0.14% | 4.37% | |
| Wells Fargo Bank | 0.18% | 1.29% | |
| Quicken Loans | 0.21% | 17.31% | |
| Mr. Cooper | 0.23% | 2.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.27% | 15.43% | |
| CoreFirst Bank & Trust | -0.12% | 4.55% | |
| Central National Bank | -0.10% | 3.18% | |
| Truity Credit Union | -0.03% | 6.65% | |
| Bank of America | -0.02% | 1.84% | |
| NBH Bank | -0.01% | 3.83% | |
| Fairway Independent Mortgage Corporation | 0.03% | 13.44% | |
| Mortgage Investment Services Corporation | 0.03% | 0.54% | |
| Home Point Financial Corporation | 0.03% | 0.04% | |
| Meritrust Credit Union | 0.03% | 1.59% | |
| Landmark National Bank | 0.04% | 13.19% | |
| Carrington Mortgage Services | 0.05% | 0.25% | |
| Movement Mortgage | 0.05% | 1.95% | |
| US Bank | 0.05% | 5.75% | |
| BOK Financial | 0.05% | 1.41% | |
| Commerce Bank | 0.06% | 1.12% | |
| Wells Fargo Bank | 0.07% | 2.20% | |
| CommunityAmerica Credit Union | 0.07% | 1.45% | |
| Flagstar Bank | 0.08% | 2.78% | |
| loanDepot | 0.08% | 1.59% | |
| PrimeLending | 0.08% | 1.81% | |
| USAA | 0.10% | 0.90% | |
| Azura Credit Union | 0.11% | 5.60% | |
| Caliber Home Loans | 0.13% | 0.83% | |
| Navy Federal Credit Union | 0.13% | 0.33% | |
| Quicken Loans | 0.29% | 7.08% | |
| Mr. Cooper | 0.30% | 0.65% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.20% | 12.73% | |
| Bank of America | -0.13% | 1.75% | |
| Central National Bank | -0.12% | 3.15% | |
| CoreFirst Bank & Trust | -0.11% | 3.66% | |
| NBH Bank | -0.03% | 4.56% | |
| Truity Credit Union | -0.01% | 7.94% | |
| US Bank | 0.00% | 5.91% | |
| Wells Fargo Bank | 0.02% | 2.59% | |
| Fairway Independent Mortgage Corporation | 0.02% | 18.92% | |
| Mortgage Investment Services Corporation | 0.02% | 0.45% | |
| Mr. Cooper | 0.03% | 0.06% | |
| Meritrust Credit Union | 0.03% | 0.84% | |
| Commerce Bank | 0.03% | 1.13% | |
| loanDepot | 0.04% | 0.79% | |
| Landmark National Bank | 0.05% | 15.32% | |
| Movement Mortgage | 0.05% | 2.42% | |
| BOK Financial | 0.06% | 1.75% | |
| PrimeLending | 0.07% | 2.36% | |
| CommunityAmerica Credit Union | 0.09% | 1.41% | |
| USAA | 0.10% | 1.13% | |
| Azura Credit Union | 0.11% | 3.60% | |
| Navy Federal Credit Union | 0.12% | 0.51% | |
| Flagstar Bank | 0.13% | 2.31% | |
| Caliber Home Loans | 0.14% | 0.96% | |
| Quicken Loans | 0.30% | 3.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.34% | 20.28% | |
| CoreFirst Bank & Trust | -0.13% | 6.16% | |
| Truity Credit Union | -0.09% | 4.34% | |
| Central National Bank | -0.07% | 3.23% | |
| Landmark National Bank | -0.01% | 9.38% | |
| BOK Financial | -0.00% | 0.81% | |
| Movement Mortgage | 0.01% | 1.11% | |
| Flagstar Bank | 0.02% | 3.63% | |
| Fairway Independent Mortgage Corporation | 0.04% | 3.63% | |
| NBH Bank | 0.04% | 2.52% | |
| USAA | 0.05% | 0.50% | |
| CommunityAmerica Credit Union | 0.05% | 1.51% | |
| Meritrust Credit Union | 0.05% | 2.93% | |
| Home Point Financial Corporation | 0.06% | 0.10% | |
| Mortgage Investment Services Corporation | 0.06% | 0.71% | |
| Carrington Mortgage Services | 0.07% | 0.71% | |
| Caliber Home Loans | 0.07% | 0.61% | |
| PrimeLending | 0.08% | 0.81% | |
| loanDepot | 0.11% | 3.03% | |
| Commerce Bank | 0.12% | 1.11% | |
| Azura Credit Union | 0.13% | 9.18% | |
| Bank of America | 0.15% | 2.02% | |
| US Bank | 0.15% | 5.45% | |
| Wells Fargo Bank | 0.20% | 1.51% | |
| Quicken Loans | 0.31% | 13.02% | |
| Mr. Cooper | 0.34% | 1.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Landmark National Bank | -0.21% | 13.48% | |
| Central National Bank | -0.18% | 2.84% | |
| Movement Mortgage | -0.08% | 3.01% | |
| Home Point Financial Corporation | -0.07% | 2.30% | |
| Flagstar Bank | -0.06% | 2.13% | |
| Bank of America | -0.06% | 0.71% | |
| BOK Financial | -0.05% | 3.19% | |
| Carrington Mortgage Services | -0.04% | 3.72% | |
| CommunityAmerica Credit Union | -0.02% | 0.35% | |
| Commerce Bank | -0.01% | 0.53% | |
| US Bank | 0.00% | 2.13% | |
| NBH Bank | 0.02% | 3.01% | |
| Mortgage Investment Services Corporation | 0.05% | 2.66% | |
| Quicken Loans | 0.05% | 15.60% | |
| PrimeLending | 0.07% | 3.72% | |
| Fairway Independent Mortgage Corporation | 0.07% | 27.84% | |
| Caliber Home Loans | 0.08% | 7.98% | |
| Mr. Cooper | 0.08% | 2.13% | |
| loanDepot | 0.09% | 2.66% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Landmark National Bank | -0.21% | 16.44% | |
| Central National Bank | -0.19% | 3.38% | |
| Movement Mortgage | -0.08% | 3.60% | |
| Home Point Financial Corporation | -0.07% | 2.48% | |
| Flagstar Bank | -0.07% | 2.25% | |
| Bank of America | -0.05% | 0.90% | |
| BOK Financial | -0.05% | 4.05% | |
| CommunityAmerica Credit Union | -0.02% | 0.45% | |
| Commerce Bank | -0.01% | 0.45% | |
| US Bank | 0.00% | 2.70% | |
| Mr. Cooper | 0.02% | 0.23% | |
| NBH Bank | 0.03% | 3.60% | |
| Mortgage Investment Services Corporation | 0.06% | 2.70% | |
| PrimeLending | 0.07% | 4.50% | |
| Fairway Independent Mortgage Corporation | 0.08% | 33.33% | |
| Quicken Loans | 0.08% | 8.56% | |
| Caliber Home Loans | 0.10% | 8.11% | |
| loanDepot | 0.14% | 2.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Carrington Mortgage Services | -0.05% | 17.50% | |
| Landmark National Bank | -0.04% | 2.50% | |
| Caliber Home Loans | -0.03% | 7.50% | |
| Flagstar Bank | -0.02% | 1.67% | |
| Home Point Financial Corporation | -0.02% | 1.67% | |
| Fairway Independent Mortgage Corporation | -0.02% | 7.50% | |
| Movement Mortgage | -0.01% | 0.83% | |
| loanDepot | -0.01% | 4.17% | |
| Commerce Bank | -0.01% | 0.83% | |
| Central National Bank | -0.01% | 0.83% | |
| Mortgage Investment Services Corporation | 0.01% | 2.50% | |
| Quicken Loans | 0.01% | 41.67% | |
| NBH Bank | 0.02% | 0.83% | |
| PrimeLending | 0.02% | 0.83% | |
| Mr. Cooper | 0.08% | 9.17% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CoreFirst Bank & Trust | -0.01% | 5.88% | |
| US Bank | -0.00% | 5.88% | |
| Bank of America | -0.00% | 17.65% | |
| Truity Credit Union | -0.00% | 11.76% | |
| Commerce Bank | 0.00% | 11.76% | |
| Landmark National Bank | 0.00% | 5.88% | |
| Capitol Federal Savings Bank | 0.00% | 35.29% | |
| Flagstar Bank | 0.02% | 5.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.00% | 14.29% | |
| Truity Credit Union | -0.00% | 28.57% | |
| Landmark National Bank | 0.00% | 14.29% | |
| Capitol Federal Savings Bank | 0.00% | 28.57% | |
| Commerce Bank | 0.01% | 14.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CoreFirst Bank & Trust | -0.01% | 10.00% | |
| Commerce Bank | -0.01% | 10.00% | |
| Bank of America | -0.00% | 30.00% | |
| Capitol Federal Savings Bank | 0.00% | 40.00% | |
| Flagstar Bank | 0.02% | 10.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Landmark National Bank | -0.13% | 14.17% | |
| Navy Federal Credit Union | -0.12% | 5.88% | |
| Central National Bank | -0.05% | 1.60% | |
| USAA | -0.03% | 15.78% | |
| Home Point Financial Corporation | -0.01% | 5.08% | |
| NBH Bank | -0.00% | 4.81% | |
| Commerce Bank | -0.00% | 0.53% | |
| BOK Financial | 0.00% | 1.34% | |
| loanDepot | 0.01% | 3.21% | |
| Mortgage Investment Services Corporation | 0.01% | 0.80% | |
| US Bank | 0.01% | 1.34% | |
| Flagstar Bank | 0.01% | 4.55% | |
| Bank of America | 0.01% | 0.27% | |
| Caliber Home Loans | 0.02% | 2.94% | |
| Movement Mortgage | 0.02% | 0.80% | |
| Wells Fargo Bank | 0.02% | 0.80% | |
| PrimeLending | 0.02% | 0.80% | |
| Carrington Mortgage Services | 0.03% | 1.87% | |
| Quicken Loans | 0.04% | 15.78% | |
| Mr. Cooper | 0.05% | 1.07% | |
| Fairway Independent Mortgage Corporation | 0.14% | 16.58% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Landmark National Bank | -0.14% | 18.15% | |
| Navy Federal Credit Union | -0.13% | 7.72% | |
| Central National Bank | -0.04% | 2.32% | |
| USAA | -0.04% | 17.76% | |
| Home Point Financial Corporation | -0.01% | 4.63% | |
| Commerce Bank | 0.00% | 0.77% | |
| BOK Financial | 0.01% | 1.16% | |
| US Bank | 0.01% | 1.93% | |
| Bank of America | 0.02% | 0.39% | |
| Flagstar Bank | 0.02% | 1.54% | |
| Movement Mortgage | 0.02% | 1.16% | |
| NBH Bank | 0.02% | 5.02% | |
| Mortgage Investment Services Corporation | 0.02% | 0.39% | |
| PrimeLending | 0.03% | 1.16% | |
| Wells Fargo Bank | 0.03% | 0.77% | |
| Caliber Home Loans | 0.04% | 2.70% | |
| Quicken Loans | 0.04% | 9.27% | |
| loanDepot | 0.06% | 1.16% | |
| Fairway Independent Mortgage Corporation | 0.16% | 22.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| NBH Bank | -0.06% | 4.35% | |
| Landmark National Bank | -0.06% | 5.22% | |
| Caliber Home Loans | -0.03% | 3.48% | |
| USAA | -0.03% | 11.30% | |
| loanDepot | -0.02% | 7.83% | |
| Home Point Financial Corporation | -0.02% | 6.09% | |
| Navy Federal Credit Union | -0.02% | 1.74% | |
| Mortgage Investment Services Corporation | -0.00% | 1.74% | |
| BOK Financial | -0.00% | 1.74% | |
| Flagstar Bank | -0.00% | 11.30% | |
| Wells Fargo Bank | 0.00% | 0.87% | |
| Fairway Independent Mortgage Corporation | 0.01% | 4.35% | |
| Carrington Mortgage Services | 0.02% | 6.09% | |
| Quicken Loans | 0.03% | 30.43% | |
| Mr. Cooper | 0.04% | 3.48% |
* Data is compiled for the Topeka, KS commuting zone area, which comprises of counties of Douglas County, KS, Jackson County, KS, Jefferson County, KS, Osage County, KS, Shawnee County, KS, and Wabaunsee County, KS. This includes cities/towns/communities of Topeka, KS as well as Lawrence, KS, Eudora, KS, Baldwin City, KS, Meriden, KS, Hoyt, KS, Willard, KS, Wakarusa, KS, McLouth, KS, Carbondale, KS, Vassar, KS, Alma, KS, Lecompton, KS, Nortonville, KS, Osage City, KS, Perry, KS, Eskridge, KS, Holton, KS, Burlingame, KS, and Olivet, KS. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Topeka, KS area. For mortgage lender rankings in other cities, click here.